A first home
The down payment is the hard part.
Most home purchases in India stall at the down payment, not the EMI. Lenders typically fund 75–90% of a property's value, which leaves the rest — plus registration, stamp duty and interiors — to be found up front. That is a large, dated, non-negotiable number, and the years you have before it lands should shape how you invest toward it.
Try the numbers
What changes the plan
Things worth deciding before the first instalment
The date is fixed, so the risk should fall
A goal with a hard deadline behaves differently from an open-ended one. As the purchase year approaches, the cost of a bad market year rises sharply, because there is no time left to recover. Shifting toward lower-volatility options as the date nears is a common approach worth discussing.
Budget beyond the property price
Stamp duty and registration vary by state and commonly add 5–8% on top. Interiors, brokerage and moving costs are routinely underestimated. Planning against the all-in figure rather than the listed price avoids an unpleasant gap at the end.
Property prices move too
The target is not static. If prices in your chosen area rise faster than your corpus, the gap widens even as your balance grows. Reviewing the target figure annually keeps the plan honest.
A first home
Start from a monthly number
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FAQ
Questions about a first home
Lenders in India generally require 10–25% of the property value depending on the loan size, and the all-in cash requirement is higher once stamp duty, registration and interiors are counted. The right number for you depends on the property, the lender and your income — worth working through together.
This depends on your loan's interest rate, tax position, and how close the goal is. There is no single correct answer, and it is exactly the kind of trade-off a planning conversation is for.
Other milestones
Contact
Talk through a first home
Bring the number you have in mind and the date you want it by. The first conversation is free, and nothing gets recommended in it.
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